Most people I know didn't get a raise for some time. Good thing is (?) we are now working from home so we can save some money on commuting - in my case it really saves the day.
Out of curiosity I checked APR on my bank's savings account/bonds - it is laughable ~1%, and they are bold enough to say that "you watch your savings grow" (when inflation rate is higher)
So I decided to put fraction of my savings into crypto and get good APR there - if it works (and it should) I will get more money than if I use all my savings in the bank